According to Chainalysis's predictions in "Stablecoin Utility and the Future of Payments," stablecoin transaction volumes are projected to grow dramatically over the next decade, reaching approximately $1.5 quadrillion USD by 2035. This magnitude is achieved when considering the predicted macro-catalysts. By 2035, this figure is estimated to reach levels close to or competitive with existing systems like Visa and Mastercard for global payment systems. Moreover, monthly transaction volumes of stablecoins have already reached comparable levels to Visa, indicating a surge in the adoption of digital assets as payment infrastructure.

Chainalysis's 2026 report summarizes the main findings as follows: Adjusted transaction volumes of stablecoins reached $28 trillion USD in 2025, and this growth continues at a compound annual growth rate of 133%. This underlying growth trend has the potential to reach approximately $719 trillion USD by 2035. However, intergenerational wealth... When macro catalysts such as the transition and accelerated adoption are taken into account, the estimated transaction volume could approach ~1.5 quadrillion USD. This magnitude indicates that stablecoins have the capacity to directly compete with centralized players not only within the crypto ecosystem but also in global financial payment systems.

The Chainalysis report links the transformation of digital assets into real-world payment infrastructure to two key macro drivers. First, a massive wealth transition of estimated 80–100 trillion USD is expected in the coming decades, from the Boomer generation to Generations Y and Z. These generations are more inclined to use digital assets and stablecoins, and this transition is predicted to significantly increase stablecoin transaction volumes. Second, the widespread adoption of stablecoins in retail stores and daily commerce. If stablecoin payments begin to replace traditional card payment infrastructure, this could pave the way for global payment volumes to be processed through onchain stablecoin networks.

These predictions also reveal that stablecoins offer significant advantages over traditional payment systems with their low cost and fast settlement processes. Stablecoin-based transactions can be completed in seconds. While providing 24/7 global access and reducing costs associated with intermediaries, these features pave the way for wider adoption of stablecoin infrastructure, especially in areas such as cross-border payments, commercial payments, and corporate treasury management.

Consequently, according to Chainalysis' projections, the dramatic growth of stablecoin transaction volumes in the next decade generates a strong signal that not only the crypto sector but also the global payment systems ecosystem will transform. The potential transaction volume that stablecoins could reach by 2035 is approaching or even surpassing that of traditional payment networks. In this context, stablecoins have the potential to play a central role in the future of digital payments.
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